Some of us are savers and some of us are borrowers. From the money habits you grew up around, to the contribution your natural personality traits make, it’s a combination of all these influences that will determine your financial attitudes. If you’re not 100% sure what kind of money personality you have, these are some of the most obvious traits that you’re likely to find in a natural saver.

Budgeting comes easily to you

If the idea of budgeting is obvious and natural then you’re clearly someone who is inclined towards a certain level of discipline when it comes to money management. Budgeting involves assessing your income and determining how much you have available to spend each month. If you’re budgeting then you’re probably already putting a proportion of your income aside each month in savings. If you’ve never budgeted in your life, you may not be a natural saver and that's the way you'll end up relying on parents or family members for a guarantor loan in an emergency or get yourself a poor credit score with too much irrational borrowing. Not a good idea, according to the folks at Solution Loans, because if you do need to borrow in an emergency and don't have family to help out you'll find lpans for people with bad credit hard to come by.

You’re risk averse, as opposed to a risk taker

Borrowing in itself is not hugely risky but it tends to involve more risk than not borrowing. So, if you’re more of a natural saver then you’re much more likely to have risk averse personality traits, such as making decisions on the basis of a sure outcome, as opposed to an uncertain gamble.

When you think about ‘the future’ you’re looking at the long term

One of the main reasons that many of us don’t have enough savings or retirement provision is because we find it difficult to look into the long term and connect with a future, older version of ourselves. People who are natural savers don’t have a problem taking a more long-term perspective. If, at 25, you’re already thinking about your holiday next year – or taking a career break at 40 – then you’ve already appreciated that you’ll need to start saving for it. A long-term attitude also makes people more wary of debt and the cost of borrowing it for more than a limited period of time.

You’re able to delay gratification

When you’re presented with the decision to make a spontaneous purchase on a credit card – or wait until you can pay with cash instead – you’re more than likely to avoid the impulse buy. Savers don’t tend to give in to instant gratification, which is the desire to experience pleasure or fulfillment without delay or deferment. Instead, savers will wait for a moment in the future when the circumstances are different and getting into debt is not involved.

You’re not a big spender

Natural savers tend to be pretty frugal, which often comes from having learned lessons about the value of money early on. Someone who is more reckless with cash will think nothing of borrowing to enable the lifestyle that they want to have. But those who really understand what it takes to earn money – and what it feels like to owe money – are often less willing to part with it and more wary of borrowing it. So, one of the most obvious personality traits of a natural saver is being a very modest spender, even when you have the resources to spend big.